Jump to content

Apple Pay

From Wikipedia, the free encyclopedia
(Redirected from ApplePay)
Not to be confused with Apple Wallet.

Apple Pay
Developer(s)Apple Inc.
Initial releaseOctober 20, 2014; 10 years ago (2014-10-20)
Operating systemiOS 8.1 or later
(iOS 10 or later for Apple Pay on the web)
(iOS 11.2 or later for Apple Cash)
All watchOS versions
macOS Sierra or later
All visionOS versions
Platform
LicenseProprietary
Websiteapple.com/apple-pay

Apple Pay is a mobile payment service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. Supported on iPhone, Apple Watch, iPad, Mac, and Vision Pro, Apple Pay digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It does not require Apple Pay–specific contactless payment terminals; it can work with any merchant that accepts contactless payments.[1] It adds two-factor authentication via Touch ID, Face ID, Optic ID, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.

Apple Pay can also be used to ride some public transport networks[2] either through the use of credit/debit cards (open loop) (for example across TfL in London, SL in Stockholm, and at OMNY readers across New York City's subway and city buses in Laval, with the STL and bus network) or dedicated travel cards such as JR East's Suica, the Chicago Transit Authority's Ventra, the San Francisco Bay Area's Clipper (closed loop) and Hong Kong's Octopus Card.

Service

[edit]

Device compatibility

[edit]

The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and Apple Watch Series 1 and later. In iOS 17 or later, the number of cards able to be added to the service is determined by the capacity of the secure element, which varies by device.

Technology

[edit]
Apple Pay acceptance mark

Apple Pay uses[3] the EMV Payment Tokenization Specification.[4]

The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN), and creates a "dynamic security code [...] generated for each transaction".[5] The 'dynamic security code' is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic stripe data emulation-mode transaction. Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. Users can also remotely halt the service on a lost phone via the Find My iPhone service.[5]

To pay at points of sale, users hold their authenticated Apple device to the point of sale system's NFC card reader. iPhone users authenticate by using Touch ID, Face ID,[5][6] or passcode,[6] whereas Apple Watch users authenticate by double-clicking a button on an unlocked device.[7] To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID.[5] Users can add payment cards to the service in any of four ways: through the payment card listed on their iTunes accounts, by taking a photo of the card, being provisioned from within the card issuer's app, or by entering the card information manually.

Although users receive immediate notification of the transaction, the Apple Pay system is not an instant payment instrument, because the fund transfer between counter-parties is not immediate.[8] The settlement time depends on the payment method chosen by the customer. (An exception being payments made using a card which stores the user's balance on the card itself, such as a Japanese Suica card or a Hong Kong Octopus card. These cards can transfer funds directly to the merchant without the need for an online connection.)

In the United Kingdom, traditional contactless payments using bank cards are limited to £100 (previously £45 until 14 October 2021)[9] as no cardholder authentication is provided as part of the transaction. Payments using Apple Pay, however, support payments of any amount owing to the increased security and lower risk of fraud in Apple Pay transactions (although some issuing banks may impose their own transaction limits, and not all contactless readers support this functionality – see CDCVM below).[10] Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service.[5] Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit.[11] Financial Times reported that Apple receives 0.15% cut of US purchases made with the service,[12] but, following the UK launch, reported that Apple's cut is much lower in the UK. This is largely because Regulation (EU) 2015/751 capped interchange fees in the European Economic Area at 0.3% for personal credit cards and 0.2% for personal debit cards with effect from June 8, 2015.[13][14] In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, and in addition the bank pays 45 rubles a year for each card added in the service.[15]

Apple is ending its in-house "buy now, pay later" service in the US, shifting to third-party lenders for instalment plans. Existing users can still manage payments via the Wallet app. Apple will partner with banks such as Citi, HSBC, and ANZ to offer these options in the upcoming iOS 18.[16]

Consumer Device Cardholder Verification Method (CDCVM)

[edit]

In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using Touch ID, Face ID, or the phone's or watch's passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a 'no verification contactless limit' using contactless cards (such as the £100 limit in the United Kingdom and the C$100 limit in Canada and the 300SAR limit in Saudi Arabia), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated to support the latest network contactless specifications.[17]

Global acceptance

[edit]

About two-thirds of merchants accept contactless payments.[18] Due to provisioning differences between countries (and even between issuers), users may encounter acceptance issues when travelling to a different country. Some known examples include:

  • Canada, UK, Saudi Arabia, and possibly other non-US-issued Visa cards only support EMV-mode transactions and not legacy magnetic-stripe data-emulation transactions. Some contactless terminals in the US do not support EMV-mode contactless transactions (even if they support EMV contact transactions), and therefore these visitors to the US will receive a "Could Not Complete Payment" error on the iPhone screen and an error on the terminal when attempting to use Apple Pay.

Apple Cash

[edit]

Apple Cash, formerly Apple Pay Cash, is a feature that allows the transfer of money from one user to another via iMessage. When a user receives a payment, the funds are deposited in the recipient's Apple Cash card, where it is available for immediate use at merchants that accept Apple Pay. Prior to April 2022, the Apple Cash Card was provisioned as a Discover contactless debit card. Apple Cash device account numbers currently are issued/reissued on the Visa payment network, ensuring a larger acceptance for the Apple Cash card at more merchants.

Alternatively, the user can choose to transfer the balance to a nominated bank account via ACH transfer. [19][20]

Since 2017, Apple Cash has been operated by Green Dot Corporation under the name "Green Dot Bank" and is available only for U.S. citizens or residents, 18 or older, with a physical residential address in the United States.[21]

Cost

[edit]

Apple Pay does not cause additional fees for users and merchants. In Switzerland, for example, participating card issuers pay for the service. In 2020, Swiss banks paid a fixed commission 0.275 CHF (US$0.26) quarterly on every card to Apple. Additionally, they paid 0.12% for credit card transactions, and 0.17% for web or app based transactions. Swiss antitrust authorities require that an acquirer pays maximum 0.44% of the transaction amount to the issuer. The competition commission calls this amount "interchange fee". Apple charges between 27% and 39% of the credit card issuers' income earned from the acquirer.[22][23][24][25][26]

History

[edit]

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments.[5] Apple partnered with American Express, Mastercard and Visa. Their joint project began in January 2013, though they had discussed Apple's potential involvement for years. Their joint solution was a system where single-use digital tokens would replace the transfer of personal information.[11] A Visa executive said that 750 people at the company worked on the anonymized "token" system for a year, and the other partners had similar teams in collaboration.[27] Mastercard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments".[27] The announcement of the service came at a time when Mastercard and Visa policy created strong incentives for upgrading to mobile payment-compatible point of sale systems.[5] Apple then approached several big banks in mid-2013 and did not divulge the names of the other banks. To maintain secrecy, JPMorgan set up a windowless "war room" where the majority of the sensitive work was done. Of their 300 people on the project, about 100 knew that the partner was Apple. Others close to the project did not know it was named "Apple Pay" until the announcement. The company's participation remained a secret leading up to its announcement.[11]

The service was announced at Apple's iPhone 6 event on September 9, 2014. At its announcement, Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards' "outdated and vulnerable magnetic interface", "exposed numbers", and insecure "security codes".[5] The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices.[5][7][28] The company announced an API for app developers to build Apple Pay checkout into their apps.[5]

The service initially supported US-issued payment cards. An international roll-out was ongoing, beginning with support for UK-issued payment cards in July 2015.[29] On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China,[30] and Chinese users could start to use Apple Pay on February 18, 2016.[31]

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.[32]

Bank of America is outfitting some of its ATMs with Apple Pay support and the ability to withdraw cash using it. The new Apple Pay enabled ATM is outfitted with the NFC reader and logo that Apple Pay users have become used to seeing since the service launched. The NFC reader is located directly to the left of the card reader, although unlike the card reader, the NFC reader does not light up. Bank of America has launched a new website[33] detailing the simple process of withdrawing cash with a smartphone (Google Pay, Samsung Pay, or Apple Pay). Bank of America says that "Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only)" are supported.[33][34] Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs.[35]

On September 7, 2016, Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can add both local credit cards and FeliCa cards to their Apple Pay wallets. Only Suica cards are supported by Apple Pay, which can be used at subway stations, convenience stores, etc., just like regular Suica cards. Apple Pay also supports payment via all QUICPay and iD enabled terminals that are already popular in Japan.[36][37][38]

On March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard.[39]

In June 2024, it was announced that online Apple Pay purchases would be able to be initiated from third party devices. Users will be provided with a code they must scan with an iPhone running iOS 18 or later to complete the transaction.[40]

[edit]

United States

[edit]

In 2023, the Consumer Financial Protection Bureau (CFPB) began rulemaking on a proposal that would make Apple Pay and other digital payments services subject to bank-like oversight.[41] The rule was finalized in November 2024, and applies to six other non-bank services, including those provided by Google and Amazon.[42] In 2024, the Department of Justice (DOJ) launched a broad antitrust suit against Apple; among other claims, the suit alleges that Apple has used anti-competitive practices to boost Apple Pay at the expense of rival payment platforms.[43] In November 2024,

Europe

[edit]

In June 2020, it was announced that the European Commission (EC) will take two probes against Apple, one focused on Apple Pay. According to EC, Apple was abusing its control of its payment wallet by blocking third-party payment access to the NFC hardware that enabled contactless payments. Apple opposed the claim and cited the COVID-19 pandemic as a cause of the increased number of people using contactless paying.[44]

Availability

[edit]

Supported countries

[edit]
Global card support of Apple Pay
  Available
  Suspended

Apple Pay can be used with any EMV contactless terminal globally as long as the customer is using a supported card. At least one issuer in each of the following 86 countries and territories issues such cards.[45]

Date launched Support for payment cards issued in
October 20, 2014  United States
(except  Puerto Rico & other unincorporated territories)
July 14, 2015  United Kingdom
(except British Overseas Territories)
November 17, 2015  Canada
November 19, 2015  Australia
February 18, 2016  China (in-app and online payments only)
April 19, 2016  Singapore
July 7, 2016   Switzerland
July 19, 2016  France
 Monaco
July 20, 2016  Hong Kong
October 4, 2016  Russia (Suspended on March 25, 2022)[note 1]
October 13, 2016  New Zealand
October 25, 2016  Japan
December 1, 2016  Spain
March 7, 2017  Guernsey
 Ireland
 Isle of Man
 Jersey
March 29, 2017  Taiwan
May 17, 2017  Italy
 San Marino
 Vatican City
October 24, 2017  Denmark
 Greenland
 Finland
 Sweden
 United Arab Emirates
April 4, 2018  Brazil
May 17, 2018  Ukraine
June 19, 2018  Poland
June 20, 2018  Norway
November 28, 2018  Kazakhstan
 Belgium
December 11, 2018  Germany
February 19, 2019  Czech Republic
 Saudi Arabia
April 24, 2019  Austria
May 8, 2019  Iceland
May 21, 2019  Hungary
 Luxembourg
June 11, 2019  Netherlands
June 26, 2019  European Union (All Parts)
 Bulgaria
 Croatia
 Cyprus
(except  Northern Cyprus)
 Estonia
 Greece
 Latvia
 Liechtenstein
 Lithuania
 Malta
 Portugal
 Romania
 Slovakia
 Slovenia
July 2, 2019  Faroe Islands
August 6, 2019  Macau
September 3, 2019  Georgia
November 19, 2019  Belarus
January 28, 2020  Montenegro
June 30, 2020  Serbia
February 23, 2021  Mexico
March 30, 2021  South Africa
May 5, 2021  Israel
August 17, 2021  Qatar
October 5, 2021  Bahrain
 Palestine
November 2, 2021  Azerbaijan
 Colombia
Costa Rica Costa Rica
January 18, 2022 Armenia Armenia
March 15, 2022  Argentina
 Peru[48]
April 5, 2022  Moldova
August 9, 2022  Malaysia
December 6, 2022  Kuwait
 Jordan
March 21, 2023  South Korea
May 2, 2023  El Salvador
 Guatemala
May 16, 2023  Panama
 Honduras
July 18, 2023  Morocco
August 8, 2023  Chile
 Vietnam
April 16, 2024  Ecuador
August 6, 2024  Dominican Republic
September 24, 2024  Oman[49]
November 5, 2024  Paraguay[50]

Supported payment networks and card schemes

[edit]

Upcoming

[edit]

Reception

[edit]

Reviews

[edit]

Journalists in the United States noted that the multiple previously unsuccessful efforts of other retailers to build mobile payments services,[5][27] including those of PayPal, Walmart, Target,[5] Google Wallet, and Softcard.[27] They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did.[5] The Verge's Adrianne Jeffries noted that mobile payment market fragmentation was partially due to Apple's refusal to enter the market. BusinessWeek's Joshua Brustein added that Apple has a history of letting "first movers fail" with an early version of the service before releasing "a more polished version of the same idea".[5] The Verge's Dieter Bohn called Apple Pay the "week's most revolutionary product" and the announcement "a classic Apple moment of simplification and integration", and the partnership between payments services and Apple "a rare piece of collaboration and agreement". He predicted that the service's effect on the mobile payments industry would be similar to the iPhone's effect on the smartphone industry.[27] Nathaniel Popper of The New York Times referred to the banks' level of coordination with Apple as "elaborate" and indicative of mutual "preparation and investment".[11] Some analysts added that the service could reduce the standard credit card transaction fees over time since fees traditionally cover credit card fraud. The banks were willing to work with Apple in the face of efforts like Bitcoin and the Merchant Customer Exchange, which seeks to work around the card networks.[11]

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted.[83][84] The Verge's Nilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience".[83] Patel said the process took five to ten seconds at a retail card reader and added that it may be less smooth at stores such as Walgreens, where cashiers prompt customers for loyalty cards and charity donations.[83] The New York Times' Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards. Among the plastic card's benefits, he included how others could make purchases on another's behalf and how dead cell phones could leave the owner stranded.[84]

In a 2018 publication released by Consumer Reports, Apple Pay Cash was the leading peer-to-peer payment service.[85]

Adoption

[edit]
Paying for coffee with Square's contactless + chip reader

Apple announced that more than one million credit cards had been registered on Apple Pay in the first three days of its availability,[86] making it the largest mobile payment system in the United States at the time.[87] There were 220,000 participating vendors when it launched.[88][89][90][91]

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was starting a competing system known as CurrentC. Several participants of CurrentC, such as Best Buy, Walmart, and Publix had initially stated that they would not accept Apple Pay as a result of exclusivity deals. CVS Pharmacy and Rite-Aid subsequently disabled all NFC payment systems in favor of CurrentC,[11][92][93] although due to the exclusivity period ending in August 2015, Rite Aid started to accept it August 15, 2015.[94][95] Both CVS and Best Buy started to accept Apple Pay at all stores starting in October 2015.[96][97] CurrentC ended in March 2017.[98]

Target's CEO Brian Cornell said that they would be open to accepting Apple Pay eventually after the conversion to chip and PIN technology is done, but they remain involved with MCX.[99] On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its stores in the United States.[100]

Transport for London, one of Apple Pay's official UK launch partners and one of the largest contactless merchants in the world, became the UK's most used Apple Pay merchant.[101][102][103][104]

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once.[105] Apple maintains an up-to-date list of merchants who accept Apple Pay on its website.[106]

On June 2, 2016, according to Fortune, Apple said its mobile payment platform is gaining a million new users each week, yet the company did not reveal the total number of Apple Pay users. Apple also revealed that transaction volume through the service is five times what it was a year ago, and that payment volume within apps more than doubled in the second half of 2015.[107]

With the launch of Apple Pay in China, the service hit three million provisions inside its first three days, while, more generally, it is adding one million new users per week worldwide.[108]

On July 11, 2016 Liquor Control Board of Ontario (LCBO) confirmed that it accepts Apple Pay at all of its over 850 stores in Ontario, Canada. LCBO had been gradually rolling out Apple Pay support since June at its stores, which had NFC-based terminals for contactless payments.[109]

Starting on August 19, 2016, Apple Pay will be available in Chick-fil-A restaurants across the United States, allowing fast food buyers to make their purchases both in-store and at the drive-thru using Apple Pay.[110]

On September 7, 2016, Wayfair announced that they will support Apple Pay online.[111]

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses.[112]

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service.[113]

On May 31, 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways.[114]

On August 21, 2019, and December 23, 2019, Miami Dade Transit announced support for Apple Pay at all fare gates and on buses.[115]

In February 2020, Apple Pay accounted for 5% of global card transactions.[116] On April 4, 2020, Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID-19.[117]

Explanatory notes

[edit]
  1. ^ As of March 2022, Apple disabled Apple Pay for Mastercard and Visa in Russia until further notice because of sanctions imposed for the 2022 Russian invasion of Ukraine and due to financial uncertainty in Russia.[46] Mir was later disabled on March 26, 2022.[47]

References

[edit]
  1. ^ "Countries and regions that support Apple Pay". Apple. July 17, 2019. Archived from the original on June 22, 2021. Retrieved July 18, 2019.
  2. ^ "Where you can ride transit with Apple Pay". Apple Support. Archived from the original on June 3, 2020. Retrieved July 18, 2019.
  3. ^ Lennon, kirk (October 20, 2014). "How Apple Pay Really Works and Why You Should Begin Using it Immediately". Archived from the original on December 28, 2016. Retrieved October 3, 2016.
  4. ^ "Payment Tokenisation". EMVco. March 1, 2014. Archived from the original on October 14, 2016. Retrieved October 3, 2016.
  5. ^ a b c d e f g h i j k l m n Jeffries, Adrianne (September 9, 2014). "Apple Pay allows you to pay at the counter with your iPhone 6". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  6. ^ a b "Apple Pay security and privacy overview". Apple. July 12, 2019. Archived from the original on August 28, 2019. Retrieved August 21, 2019.
  7. ^ a b D'Orazio, Dante (September 9, 2014). "Apple Watch works with Apple Pay to replace your credit cards". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  8. ^ "Definition of instant payment system". European Central Bank. February 24, 2018. Archived from the original on September 9, 2018. Retrieved September 11, 2018.
  9. ^ Titcomb, James (June 24, 2015). "Most Apple Pay UK transactions will be limited to £20, for now". The Telegraph. Archived from the original on January 12, 2022. Retrieved July 13, 2015.
  10. ^ "About Apple Pay for merchants in the UK". Apple. Archived from the original on September 9, 2015. Retrieved July 12, 2015.
  11. ^ a b c d e f Popper, Nathaniel (September 11, 2014). "Banks Did It Apple's Way in Payments by Mobile". The New York Times. Archived from the original on September 15, 2014. Retrieved March 5, 2017.
  12. ^ Fiveash, Kelly (September 13, 2014). "Apple Pay is a tidy payday for Apple with 0.15% cut, sources say". The Register. Archived from the original on September 14, 2014. Retrieved September 13, 2014.
  13. ^ Arnold, Martin (July 14, 2015). "UK banks put squeeze on Apple Pay fees". Financial Times. Archived from the original on July 16, 2015. Retrieved July 15, 2015.
  14. ^ "Regulation (EU) 2015/751 of the European Parliament and of the Council of April 29, 2015 on interchange fees for card-based payment transactions". European Commission. Archived from the original on July 25, 2015. Retrieved July 25, 2015.
  15. ^ "Apple Pay берет с банков небольшую комиссию за каждую транзакцию" (in Russian). Ведомости. October 7, 2016. Archived from the original on December 30, 2016. Retrieved December 6, 2016.
  16. ^ "Apple scraps its Pay Later loan scheme". June 18, 2024. Archived from the original on June 18, 2024. Retrieved June 19, 2024.
  17. ^ "Consumer Device Cardholder Verification Method". Apple. Archived from the original on December 1, 2016. Retrieved December 1, 2016.
  18. ^ Tepper, Taylor (May 11, 2020). "Apple Card Review: Actually Owning It Changed Our Minds". The New York Times. Archived from the original on December 13, 2019. Retrieved May 4, 2020.
  19. ^ "Apple Pay Cash guide: What it is, how it works, and what it costs". Macworld. Archived from the original on August 5, 2018. Retrieved August 5, 2018.
  20. ^ Chowdhry, Amit. "How To Use Apple Pay Cash". Forbes. Archived from the original on August 5, 2018. Retrieved August 5, 2018.
  21. ^ "Apple Cash Terms and Conditions". Retrieved September 8, 2024.
  22. ^ "What Does Apple Pay Cost Swiss Banks?". August 14, 2020. Archived from the original on October 24, 2021. Retrieved October 24, 2021.
  23. ^ Gleiche Kosten für den Händler bei Barzahlung und bei Kreditkartenzahlung Archived October 24, 2021, at the Wayback Machine, Swiss competition commission, p4: explains market participants issuer and acquirer, p39: 0.44% commission. 2014-12-01.
  24. ^ How Apple Pay and Google Wallet actually work Archived October 24, 2021, at the Wayback Machine, arsTECHNICA, 2014-10-29.
  25. ^ Dexheimer, Elizabeth (September 10, 2014). "Apple Said to Reap Fees From Banks in New Payment System". Bloomberg. Archived from the original on October 24, 2021. Retrieved April 5, 2022.
  26. ^ WSJ: Visa plans to cut Apple Pay fees, some banking execs ‘angered’ by Apple Card launch Archived October 24, 2021, at the Wayback Machine, 9 to 5 mac, 2021-10-05, Apple Pay Fees Vex Credit-Card Issuers Archived October 24, 2021, at the Wayback Machine, WSJ, 2021-10-05.
  27. ^ a b c d e Bohn, Dieter (September 10, 2014). "Apple Pay was this week's most revolutionary product". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  28. ^ "How To Set Up Apple Pay On Your iPhone, iPad and Apple Watch". TaletLeopard. Archived from the original on July 17, 2015. Retrieved July 17, 2015.
  29. ^ "Most Apple Pay payments will have £20 limit, banks say". BBC News Online. June 9, 2015. Archived from the original on July 30, 2015. Retrieved July 26, 2015.
  30. ^ Rao, Leena (December 17, 2015). "Apple Pay Is Finally Coming To China". Fortune. Archived from the original on December 18, 2015. Retrieved December 18, 2015.
  31. ^ "Apple Pay to be available in China from this week". BBC News Online. February 18, 2016. Archived from the original on December 1, 2018. Retrieved June 21, 2018.
  32. ^ Rossignol, Joe. "KFC Now Accepts Apple Pay in the United States". MacRumors. Archived from the original on June 2, 2016. Retrieved June 1, 2016.
  33. ^ a b "You can now get cash at Bank of America ATMs with Apple Pay". /r/apple. reddit. June 18, 2016. Archived from the original on July 6, 2016. Retrieved June 20, 2016.
  34. ^ "Cardless ATM". Bank of America. Archived from the original on June 23, 2016. Retrieved June 20, 2016.
  35. ^ Miller, Chance (January 28, 2016). "Bank of America & Wells Fargo said to be working on Apple Pay support for ATM withdrawals". 9to5Mac. Archived from the original on May 31, 2016. Retrieved June 20, 2016.
  36. ^ "Apple Pay". Archived from the original on August 25, 2017. Retrieved September 7, 2016.
  37. ^ "Apple Pay Getting Started". Archived from the original on September 13, 2017. Retrieved September 7, 2016.
  38. ^ "Apple Pay Coming to Japan" (Press release). Apple. Archived from the original on August 25, 2017. Retrieved September 13, 2016.
  39. ^ Wong, Hanna. "Introducing Apple Card, a new kind of credit card created by Apple" (Press release). Apple. Archived from the original on March 26, 2019. Retrieved May 24, 2019.
  40. ^ "New features come to Apple services this fall". Apple Newsroom. Retrieved June 11, 2024.
  41. ^ Gillison, Douglas; Lang, Hannah (November 7, 2023). "US consumer watchdog proposes rules for Big Tech payments, digital wallets". Reuters. Retrieved November 21, 2024.
  42. ^ Son, Hugh (November 21, 2024). "CFPB expands oversight of digital payments services including Apple Pay, Cash App, PayPal and Zelle". CNBC. Retrieved November 22, 2024.
  43. ^ Lunden, Ingrid (March 21, 2024). "DOJ says Apple's 'complete control' over tap-to-pay transactions stops innovation, cements its monopoly". TechCrunch. Retrieved November 22, 2024.
  44. ^ Toplin, Jaime (June 17, 2020). "Apply Pay faces European antitrust probe". Business Insider. Archived from the original on June 17, 2020. Retrieved June 17, 2020.
  45. ^ "Countries and regions that support Apple Pay". Apple. March 30, 2021. Archived from the original on October 23, 2017. Retrieved March 30, 2021.
  46. ^ "Карты всех платежных систем в России продолжают нормально работать | Банк России". www.cbr.ru. Archived from the original on February 25, 2022. Retrieved February 25, 2022.
  47. ^ a b Roth, Emma (March 26, 2022). "Apple Pay closes loophole that allowed Russian users to pay with Mir cards". The Verge. Archived from the original on March 27, 2022. Retrieved March 26, 2022.
  48. ^ "Apple". Apple.com. Archived from the original on March 25, 2022. Retrieved January 27, 2022.
  49. ^ Nair, Vinod (September 24, 2024). "Apple Pay launched in Oman". Oman Observer. Retrieved September 24, 2024.
  50. ^ Espósito, Filipe. "Apple Pay officially launches in Paraguay". 9to5mac.com. 9TO5Mac. Retrieved November 6, 2024.
  51. ^ "Apple Pay allows you to pay at the counter with your iPhone 6". The Verge. Archived from the original on September 14, 2014. Retrieved April 14, 2018.
  52. ^ "Get help adding cards to Apple Pay". Apple. Archived from the original on April 14, 2018. Retrieved April 14, 2018.
  53. ^ "MasterCard's mobile payments guru talks Apple Pay, Android Pay and more". Fortune. Archived from the original on April 15, 2018. Retrieved April 14, 2018.
  54. ^ "American Express swipes in Apple Pay for corporate card holders". www.retaildive.com. Archived from the original on April 14, 2018. Retrieved April 14, 2018.
  55. ^ "Discover card users can redeem their points on Apple Pay". Engadget. Archived from the original on March 1, 2018. Retrieved April 14, 2018.
  56. ^ "Apple Pay now available to CB customers in France" (PDF). Groupement des Cartes Bancaires CB GIE (in French). CB. Archived from the original (PDF) on March 4, 2018. Retrieved March 4, 2018.
  57. ^ "Five things to know about using Apple Pay in Canada". The Globe and Mail. The Woodbridge Company. Archived from the original on June 28, 2017. Retrieved April 14, 2018.
  58. ^ "Apple Pay now works with Eftpos cards from ANZ in Australia". 9to5Mac. October 17, 2017. Archived from the original on April 14, 2018. Retrieved April 14, 2018.
  59. ^ "UnionPay taps into Apple Pay". The Standard. Archived from the original on April 14, 2018. Retrieved April 14, 2018.
  60. ^ "dankort". Apple Developer Documentation. Retrieved November 16, 2023.
  61. ^ Phillips, Tom (October 18, 2022). "Danske Bank lets Danish consumers add domestic payment cards to Apple Pay". NFCW. Retrieved November 16, 2023.
  62. ^ "Apple Pay" (in Japanese). Apple (Japan). Archived from the original on March 18, 2018. Retrieved March 20, 2018.
  63. ^ "Apple PayのWAONをはじめる | 電子マネー WAON [ワオン] 公式サイト". www.waon.net. Archived from the original on October 20, 2021. Retrieved October 20, 2021.
  64. ^ "Apple Payのnanaco 【公式サイト】". www.nanaco-net.jp (in Japanese). Archived from the original on October 20, 2021. Retrieved October 20, 2021.
  65. ^ SEEC Media Group. "Apple Pay can now be used for the Shanghai metro". Time Out Shanghai. Archived from the original on April 15, 2018. Retrieved April 14, 2018.
  66. ^ "New iOS update allows commuters in Shanghai and Beijing to use Apple Pay for metro and bus rides · TechNode". TechNode. March 30, 2018. Archived from the original on April 15, 2018. Retrieved April 14, 2018.
  67. ^ "Debit cards | Prepaid Cards | Cashback Option | Mada". Archived from the original on May 8, 2019. Retrieved April 23, 2019.
  68. ^ Commission, Metropolitan Transportation. "The Bay Area's all-in-one transit card". www.clippercard.com. Archived from the original on April 15, 2021. Retrieved April 15, 2021.
  69. ^ Altstadt, Roberta (January 21, 2019). "Portland-Vancouver's Hop Fastpass® becomes first transit fare card in North America on iPhone" (Press release). TriMet. Archived from the original on May 24, 2019. Retrieved May 24, 2019.
  70. ^ "SmarTrip on iPhone & Apple Watch | WMATA". wmata.com. Archived from the original on April 16, 2022. Retrieved September 2, 2020.
  71. ^ "Where you can ride transit with Apple Pay". Apple Support. Archived from the original on June 3, 2020. Retrieved September 3, 2020.
  72. ^ "Le passe Navigo est enfin disponible sur iPhone, après de longues années d'attente". BFMTV (in French). Retrieved May 21, 2024.
  73. ^ "Apple Pay Landing Page". Ventra. Archived from the original on July 21, 2020. Retrieved October 26, 2020.
  74. ^ "Elo com Apple Pay, o próximo passo" [Elo and Apple Pay, the next step]. Elo (in Portuguese). Archived from the original on May 28, 2019. Retrieved July 4, 2019.
  75. ^ Lovejoy, Ben (June 2, 2020). "Apple Pay Octopus goes live in Hong Kong; here's one tip ..." 9to5Mac. Archived from the original on October 28, 2020. Retrieved June 2, 2020.
  76. ^ @girocard (August 25, 2020). "Hallo Apple Pay! Die beliebteste Karte in Deutschland – die #girocard – ist nun auch mit Apple Pay nutzbar: Seit heute können Kunden der @Sparkasse ihre girocard hierzu im iPhone oder der Apple Watch hinterlegen. Mehr dazu: http://girocard.eu/presse-mediath" (Tweet). Retrieved August 25, 2020 – via Twitter.
  77. ^ "Russia's Mir card payment system connects to Apple Pay". Reuters. Reuters. July 20, 2021. Archived from the original on July 20, 2021. Retrieved July 22, 2021.
  78. ^ "Pay contactless with Bancontact on Apple Pay | Bancontact". www.bancontact.com. Archived from the original on September 21, 2022. Retrieved September 21, 2022.
  79. ^ "bankAxept". Apple Developer Documentation. Retrieved July 7, 2024.
  80. ^ "meeza". Apple Developer Documentation. Retrieved February 13, 2024.
  81. ^ "NAPAS". Apple Developer Documentation. Retrieved July 7, 2024.
  82. ^ "T-money". Apple Developer Documentation. Retrieved July 12, 2024.
  83. ^ a b c Patel, Nilay (September 9, 2014). "Apple Pay hands-on: is this the future of payments?". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  84. ^ a b Irwin, Neil (September 10, 2014). "Apple Pay Tries to Solve a Problem That Really Isn't a Problem". The New York Times. Archived from the original on September 15, 2014. Retrieved September 14, 2014.
  85. ^ Fingas, Jon (August 6, 2018). "Apple Pay Cash leads Consumer Reports' first payment service test". Engadget. Archived from the original on August 7, 2018. Retrieved August 7, 2018.
  86. ^ Worland, Justin (October 28, 2014). "Apple Pay Registers 1 Million Credit Cards in 3 Days". Time. Archived from the original on October 28, 2014. Retrieved October 29, 2014.
  87. ^ "Number Of Users On Apple Pay". Business Insider. Archived from the original on October 30, 2014. Retrieved October 29, 2014.
  88. ^ Perez, Sarah (September 9, 2014). "Apple Announces Mobile Payment Solution Called Apple Pay". TechCrunch. AOL. Archived from the original on September 10, 2014. Retrieved September 22, 2014.
  89. ^ Snider, Mike (September 9, 2014). "Apple hopes to jump-start mobile payments with Apple Pay". USA Today. Archived from the original on September 10, 2014. Retrieved September 22, 2014.
  90. ^ Gokey, Malarie (October 22, 2014). "Apple Pay Works Abroad! ... If You Have a U.S. Credit Card". Digital Trends. Archived from the original on August 18, 2015. Retrieved July 26, 2015.
  91. ^ Rogowksi, Mark (October 20, 2014). "Apple Pay Is Here And It's Going To Be Great: Why The Skeptics Have It Wrong". Forbes. Archived from the original on October 21, 2014. Retrieved October 21, 2014. First, a clarification. There is no 'accepting Apple Pay.' You may have read an article or five suggesting that retailers don't plan to support Apple Pay, implying there is some special thing they have to do to work with Apple. What a retailer needs is nothing more than a NFC-equipped point-of-sale terminal.
  92. ^ Constine, Josh (October 25, 2014). "CurrentC Is The Big Retailers' Clunky Attempt To Kill Apple Pay And Credit Card Fees". TechCrunch. AOL Inc. Archived from the original on October 25, 2014. Retrieved October 26, 2014.
  93. ^ "Apple Pay goes offline at CVS, Rite Aid". Ars Technica. October 30, 2014. Archived from the original on October 30, 2014. Retrieved October 30, 2014.
  94. ^ "Rite Aid Reverses Course, Will Accept Apple Pay Starting August 15". MacRumors. August 11, 2015. Archived from the original on August 13, 2015. Retrieved August 13, 2015.
  95. ^ "Rite Aid to accept Apple Pay after initial refusal". USA Today. August 11, 2015. Archived from the original on March 5, 2017. Retrieved August 24, 2017.
  96. ^ "Best Buy Rolling Out In-Store Apple Pay Support in U.S." MacRumors. September 17, 2015. Archived from the original on January 2, 2016. Retrieved December 31, 2015.
  97. ^ Chambers, Bradley (October 11, 2018). "Apple Pay is now accepted at CVS Pharmacy, Discover adds support for its debit card". 9to5Mac. Retrieved March 24, 2024.
  98. ^ Digital wallet firm’s travails offer a lesson: Put customers before merchants
  99. ^ Arik Hesseldahl (May 27, 2015). "Target CEO Loves Apple Pay, but Wants Chip-and-PIN Cards First (Video)". re/code. Archived from the original on January 4, 2016.
  100. ^ Makena Kelly (January 22, 2019). "Target is adding Apple Pay and Google Pay to all US stores". The Verge. Archived from the original on April 24, 2019. Retrieved April 24, 2019.
  101. ^ Mortimer, Natalie (July 20, 2015). "TfL proves most popular retailer on Apple Pay UK following launch". The Drum. Archived from the original on July 22, 2015. Retrieved July 22, 2015.
  102. ^ Titcomb, James (July 20, 2015). "How London's transport crunch forged a contactless revolution". The Telegraph. Archived from the original on January 12, 2022. Retrieved July 22, 2015.
  103. ^ Gibbs, Samuel (July 16, 2015). "TfL cautions users over pitfalls of Apple Pay". The Guardian. Archived from the original on July 22, 2015. Retrieved July 22, 2015.
  104. ^ "Apple Pay". Apple. Archived from the original on February 2, 2020. Retrieved February 2, 2020.
  105. ^ "Apple Pay Awareness, Adoption Plateau According to First Annapolis Survey". First Annapolis. Archived from the original on March 1, 2016. Retrieved February 26, 2016.
  106. ^ "Apple Pay participating banks in Canada and the United States". Apple. Archived from the original on March 31, 2017. Retrieved April 28, 2016.
  107. ^ "Grubhub Adds Apple Pay To Food Delivery Apps". Fortune. June 2, 2016. Archived from the original on June 3, 2016. Retrieved June 3, 2016.
  108. ^ Russell, Jon (February 18, 2016). "Apple Pay Goes Live In China". TechCrunch. Archived from the original on July 6, 2017. Retrieved July 8, 2016.
  109. ^ Rossignol, Joe. "Latest Apple Pay Retailers Include LCBO and Former CurrentC Backers". MacRumors. Archived from the original on July 11, 2016. Retrieved July 12, 2016.
  110. ^ Clover, Juli. "Apple Pay Launching at Chick-fil-A on August 19". MacRumors. Archived from the original on August 18, 2016. Retrieved August 18, 2016.
  111. ^ Rossignol, Joe. "Wayfair Will Support Apple Pay in Safari on iPhone, iPad, and Mac at Launch". MacRumors. Archived from the original on September 11, 2016. Retrieved September 7, 2016.
  112. ^ "TransLink rolls out "tap to pay" feature allowing credit-card use at fare gates and on buses". The Georgia Straight. May 23, 2018. Archived from the original on May 23, 2018. Retrieved May 23, 2018.
  113. ^ Nick Statt (July 31, 2018). "Apple Pay is coming to CVS and 7-Eleven later this year". The Verge. Archived from the original on August 5, 2018. Retrieved August 5, 2018.
  114. ^ "Apple Pay will work on NYC subways and buses starting May 31st". engadget.com. Archived from the original on July 4, 2020. Retrieved July 3, 2020.
  115. ^ "Contactless Payment". miamidade.gov. Archived from the original on December 15, 2019. Retrieved December 29, 2019.
  116. ^ Detrixhe, John (February 11, 2020). "Apple Pay is on pace to account for 10% of all global card transactions". Quartz. Archived from the original on May 5, 2020. Retrieved May 4, 2020.
  117. ^ "Publix now offers contactless pay options | Newsroom". Publix Super Markets. Archived from the original on April 17, 2020. Retrieved April 10, 2020.
[edit]
Wikimedia Commons has media related to Apple Pay.
Retrieved from "https://en.wikipedia.org/w/index.php?title=Apple_Pay&oldid=1258857670"